# irs-taxpayer

Local US tax estimation tools for TY2024 through TY2026. Computes federal liabilities, standard deductions, and supported state taxes inside your coding agent.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 13
- Author: dma9527
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/dma9527/irs-taxpayer-mcp
- Updated: 2026-09-18
- HTML: https://affpapa.org/en/nevibecode/mcp/irs-taxpayer

## What it does

This MCP server brings 44 local tools for individual US tax estimations across the 2024 through 2026 tax years. Its deterministic calculation engine evaluates federal income brackets, selected tax credits, and deduction methods. State tax computations are handled explicitly. Instead of applying a rough top-bracket guess, the engine halts when a state is not supported.

The package operates as a standalone CLI questionnaire or as an MCP server for AI clients. It never asks for IRS accounts or Social Security numbers. Local tax parameters stay in a strict JSON format capped at 1 MiB with `0600` POSIX permissions, discarding identifying records such as names, employer IDs, and banking details.

The engine makes zero runtime network calls. However, data entered into cloud-hosted MCP clients travels to the respective model provider. For sensitive personal finances, use the offline command-line workflow directly without involving language models.

## Requirements
- Needs: Node.js (commands run via npx)

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add irs-taxpayer -- npx -y irs-taxpayer-mcp
```

### Codex

**Platform CLI**
```bash
codex mcp add irs-taxpayer -- npx -y irs-taxpayer-mcp
```

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "irs-taxpayer": {
            "command": "npx",
            "args": [
                "-y",
                "irs-taxpayer-mcp"
            ]
        }
    }
}
```

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "irs-taxpayer": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "irs-taxpayer-mcp"
            ]
        }
    }
}
```

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add irs-taxpayer npx -y irs-taxpayer-mcp
```

## When to use it
- Estimate federal income tax liabilities under TY2024–TY2026 rules
- Compare standard deductions against itemized expenses to choose the best option
- Determine estimated quarterly tax payments for freelancers and 1099 contractors
- Check eligibility limits for child tax credits and earned income relief

## Example prompts
- Estimate my federal taxes for $130k income, married filing jointly, with two kids
- Compare state income tax amounts between California and Texas on $190k earnings
- I make $85k as a sole proprietor: what are my estimated quarterly payments?

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